Chargeback Prevention gives life insurance agencies the tools to stop policy lapses before they happen, recover lapsed customers when they do, and turn chargeback data into operating intelligence.
A policy lapses. The carrier sends a notice. The commission claws back nine months after your agent already spent it. And nobody saw it coming.
Most agencies find out about chargebacks after the fact — no early warning, no system, no playbook. Agents don't follow up because nobody's incentivized them to. Customers cancel directly with the carrier. And when the income shock hits, agents quit.
Chargeback Prevention changes the entire dynamic — from reactive to proactive.
Chargeback Prevention monitors every active policy and flags customers showing risk signals — missed payments, hardship patterns, timing. Automated touchpoints go out: birthday check-ins, renewal reminders, payment alerts, and hardship outreach — before the client ever calls to cancel. Agents get task queues with save-offer recommendations already built in.
Chargeback Prevention classifies why it happened — affordability, wrong product, change of mind, agent follow-up gap — and routes it into the right recovery workflow. AI-generated outreach re-engages the customer by lapse reason. Agents get scripts for re-signing conversations. Every recovered policy is tracked: premium saved, commission protected, customer retained.
Chargebacks broken down by agent, carrier, product, lead source, customer profile, and time-to-lapse — so you can fix the root cause, not just chase the symptoms.
See how Chargeback Prevention turns policy lapses into a system you can manage, measure, and fix.
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